Senior Product Owner

Who are we? Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku has the distinction of being the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we managed to get listed on the Indonesian Stock Exchange.  How did we manage to do that? We are changing people’s perception of a bank. We believe we are the innovators who combine customer focus principles with creating technology-based impact. We incorporate freedom and flexibility as part of our startup working culture DNA to encourage innovation in creating better financial solutions for the banking industry. We think of ourselves as, ‘A technology company with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’  How did it all start? Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank) in 2014. It has then undergone a significant digital transformation to become one of the country's forerunning fintech institutions through its award-winning digital lending platform, Tunaiku.  Our philosophy, mission, and vision Technology must impact lives, must improve lives. We exist to provide banking to those who ‘need’ and not only to those who ‘want’. Services when provided to those who need at the time of their need brings smiles. Our vision is to bring 200 million smiles.   More about the bank with startup culture environment Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have fun at the workplace! We provide a great working environment that pushes people to grow outside their comfort zone. People with high drive and ambition find us a very attractive place to work as their career growth matches their own drive and not any staid policies. Thus we hold the honor of being awarded “Best Place to Work in Indonesia”.Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it, have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our journey to ‘Impact Lives’.  Join us today and create #unlimitedinnovations! Responsibilities

• Develop and implement growth and engagement strategies to increase active user utilization and maximize customer loyalty across Amar Bank’s digital B2C retail lending products, focusing on cash loans and limit-based offerings.

• Collaborate with cross-functional teams (Product Design, Research, Data, Engineering, Marketing, Compliance, and Business) to design, execute, and optimize initiatives, including loyalty programs, rewards systems, and personalized experiences.

• Generate hypotheses from funnel diagnostics, behavioral analytics, and qualitative research. Translate each into a testable experiment with primary metric, MDE, and decision rule defined before launch.

• Own funnel definition, instrumentation quality, and reporting cadence for the assigned product surface. Detect structural breaks early and root-cause to the cohort or segment level.

• Develop and execute A/B tests and other experiments to validate strategies, working closely with data science and analytics teams to ensure statistically significant results.

• Present metrics and insights to senior leadership, recommending strategies to enhance product metrics and meet Amar Bank’s growth objectives.

• Stay updated with industry trends, competitor activities, and innovations in digital banking to ensure Amar Bank’s strategies are competitive and impactful.

 

Requirements

5+ years of experience in product management, preferably within the financial services or digital banking industry - specifically B2C Digital Loan App Product Management

Proven experience in leading product strategies that demonstrate measurable success in reducing churn and increasing engagement.

Strong analytical skills, with proficiency in data-driven decision-making, A/B testing, and customer segmentation analysis.

Solid understanding of digital banking products, customer lifecycle, and market trends B2C Digital Loan App Product.

Excellent project management skills, with the ability to juggle multiple projects and collaborate effectively across teams.

Strong communication and presentation skills, with the ability to convey complex ideas to both technical and non-technical stakeholders.

Involved in product discovery & has collaborated with UXR.

Bonus Point If

Familiar with OJK regulations relevant to digital lending and has navigated compliance review as part of product delivery.

You have hands-on experience with retention tools and CRM systems such as Moengage.

You have experience in a high-growth tech company, digital banking or fintech.

Has knowledge in SEO / ASO, Paid Ads and retargeting

Understand Android SDK for play store policy.

Understand lending collection process

MBA Graduated.

Knows Indonesian Banking & Fintech Market